Credit Manager/SM_Bank

Protalent Advisors; Hong Kong; On-site; HKD 550,000 - 750,000; Full time

Job summary

China Merchants Bank Co., Ltd., Hong Kong Branch seeks an experienced banking professional to contribute to credit risk management and policy development. The role focuses on independent credit assessments for corporate banking, including syndicated and collateral-based transactions, in a dynamic regulatory environment.

The candidate should have a Master's degree in Finance, Accounting, IT or related fields, 5+ years in credit analysis, and strong MS Office skills, with proficiency in Putonghua,

Qualifications

• Master's degree in Finance, Accounting, IT, or related disciplines.
• Strong knowledge of accounting principles, financial analysis, cash flow modeling, and banking regulations.
• 5+ years of credit analysis experience in corporate banking (cross border, syndicated, bilateral, SME financing).
• Professional qualifications such as ECF or HKIB are advantageous.
• Familiarity with Mainland China practices and regulatory environment is a plus.
• Proficiency in Putonghua, Cantonese, and English.
• Strong command of MS Office, particularly Excel.

Responsibilities

• Deliver independent, well-structured credit assessment reports for corporate banking applications, including syndicated and collateral-based transactions.
• Evaluate transaction risks and recommend mitigation strategies, ensuring compliance with regulatory standards and internal policies.
• Monitor existing accounts, review collateral arrangements, and identify early warning signals of credit deterioration.
• Contribute to design and enhancement of credit policies, procedures, and approval frameworks.
• Provide guidance to business teams on regulatory requirements and policy interpretation during credit reviews.
• Support special projects and ad hoc assignments as required.

Skills

Credit analysis

Regulatory knowledge

MS Office

Financial modeling

Education

Master's degree in Finance/Accounting/IT

Tools

Excel

Job description

• *Exp in handling cross border loan, syndicated loans, bilateral loans or SME financing

About the role

This role offers an excellent opportunity for an experienced banking professional to contribute to credit risk management and policy development in a dynamic environment.

Key responsibilities

Deliver independent and well structured credit assessment reports for corporate banking applications, including syndicated and collateral based transactions.

Evaluate transaction risks and recommend effective mitigation strategies, ensuring compliance with regulatory standards and internal policies.

Monitor existing accounts, review collateral arrangements, and identify early warning signals of credit deterioration.

Contribute to the design and enhancement of credit policies, procedures, and approval frameworks.

Provide guidance to business teams on regulatory requirements and policy interpretation during credit reviews.

Support special projects and ad hoc assignments as required.

About you

Master's degree in Finance, Accounting, IT, or related disciplines.

Strong knowledge of accounting principles, financial analysis, cash flow modeling, and banking regulations.

5 years or more of solid credit analysis experience in corporate banking (cross border loan, syndicated loans, bilateral loans, SME financing, etc.).

Professional qualifications such as ECF or Certified Banker (HKIB) are advantageous.

Familiarity with Mainland China business practices and regulatory environment is a plus.

Proficiency in Putonghua, Cantonese, and English.

Strong command of MS Office, particularly Excel.

China Merchants Bank Co., Ltd., Hong Kong Branch

Central and Western District, HK

Assistant Vice President, Credit Risk Assessment & Portfolio Management (CAPM)